借贷宝收益怎么算

借贷宝作为一款个人间借贷和企业间供应链融资的工具，其收益的计算方式是许多用户关心的问题。

首先，借贷宝的利息是可以由用户自行设定的。比如，年利率定在 24%，只要不逾期，借 1000 元，一年的利息就是 240 元。

在借贷宝平台上，有一种赚取利差的方式。用户可以根据借贷宝朋友圈的贷款消息，将利息设置为低于借款人一键转发贷款信息的水平，借一定的钱，同时以较高的利率放款。贷款到期后，借出利息和借入利息的差额成为用户收入。整个流程中的用户不需要投入本金，从而白白实现了利润率。

例如，您在借贷宝上借给别人 5000 元，按 24%年利率，借款期限是一个月。借贷宝上的程序是：您当时给对方转 5000 元后，对方马上给您转回一个 750 元，然后您一个月后应收到 5098.63 元。这是怎么计算的呢？

首先，年利率 24%，一个月的利率就是 24%÷12 = 2%。借款 5000 元，一个月的利息就是 5000×2% = 100 元。对方马上转回的 750 元可能是提前扣除的部分利息或者其他费用。一个月后应收到的 5098.63 元，可能是扣除了某些平台规定的手续费或者其他费用后的金额。

需要注意的是，借贷宝平台本身不为本息回收提供任何承诺或担保，用户需要自行承担贷款风险。在使用借贷宝进行借贷活动时，务必谨慎评估风险，确保自身的利益不受损害。

How to Calculate the Returns of Jiandai Bao

Jiandai Bao, as a tool for personal lending and supply chain financing between enterprises, the calculation method of its returns is a concern for many users.

Firstly, the interest rate of Jiandai Bao can be set by users themselves. For example, if the annual interest rate is set at 24%, for a loan of 1,000 yuan, the annual interest is 240 yuan as long as there is no overdue.

On the Jiandai Bao platform, there is a way to earn the interest rate difference. Users can set the interest rate lower than the borrower's when forwarding the loan information based on the loan messages in the Jiandai Bao friends circle, borrow a certain amount of money, and lend it at a higher interest rate. After the loan matures, the difference between the lending interest and the borrowing interest becomes the user's income. Users do not need to invest the principal throughout the process, thus achieving the profit rate for free.

For instance, if you lend 5,000 yuan to someone on Jiandai Bao at an annual interest rate of 24% for a one-month loan period. The procedure on Jiandai Bao is that after you transfer 5,000 yuan to the other party immediately, the other party transfers 750 yuan back to you, and then you should receive 5,098.63 yuan after one month. How is this calculated?

Firstly, the annual interest rate is 24%, and the monthly interest rate is 24% ÷ 12 = 2%. For a loan of 5,000 yuan, the monthly interest is 5,000 × 2% = 100 yuan. The 750 yuan immediately transferred back by the other party may be part of the interest deducted in advance or other fees. The 5,098.63 yuan that should be received after one month may be the amount after deducting certain platform-specified handling fees or other charges.

It should be noted that the Jiandai Bao platform itself does not provide any commitment or guarantee for the recovery of principal and interest. Users need to bear the loan risk themselves. When using Jiandai Bao for lending activities, be sure to carefully assess the risks to ensure that your own interests are not compromised.